Financial Highlights in February, 2026

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Fukuoka Financial Group

Financial Highlights

February 4, 2026

Financial Results for Third Quarter of FY2025 [Consolidated Results]

Consolidated core business profit landed at ¥101.1 billion (+¥13.2 billion year-on-year). This represents steady progress of 78.8% against the annual projection of ¥128.4 billion.

≫ Core gross business profit increased by ¥22.6 billion year-on-year, driven by an increase in domestic net interest, as well as recording revenue from external

system sales related to Minna Bank.

≫ Overhead expenses increased by ¥9.5 billion year-on-year primarily due to an increase in base pay and DX-related growth investments; however, they are being appropriately controlled while carefully assessing the return on investment for each initiative.

Consolidated net income landed at ¥70.3 billion (+¥9.6 billion year-on-year). This represents strong progress of 87.9% against the annual projection of ¥80.0 billion.

≫ Gains (losses) on securities improved by ¥7.1 billion year-on-year, due to appropriate portfolio rebalancing in light of market trends.

≫ Credit cost was a net provision of ¥6.8 billion. While there were no significant changes in new bankruptcies or rating changes, credit cost increased by ¥5.5

billion year-on-year, primarily due to the absence of gains from recoveries of large loans recorded in the previous year.

Average loan and deposit balances maintained an upward trend, and unrealized gains (losses) on securities (after considering hedges)

≫ Average loan balance* increased by ¥365.9 billion year-on-year (annual rate of +2.3%), and the average balance of deposits*, etc. increased by ¥80.5 billion (annual rate of +0.4%). Both loans and deposits are maintaining an upward trend.

≫ Unrealized gains (losses) on securities (after considering hedges) improved to +¥114.2 billion overall, primarily due to an increase in unrealized gains from

investment trusts and stocks following the rise in stock prices.

Revision of Annual Earnings and Year-End Dividend Projection

The projection of consolidated net income has been revised upward to ¥85.0 billion from ¥80.0 billion, and DPS has been revised upward to ¥180 from ¥170, reflecting an increase of ¥10.

≫ Based on the third quarter results and the expected increase in core business profit mainly driven by net interest income toward the fiscal year-end, the bottom line has been revised upward by ¥5.0 billion.

≫ Based on the shareholder return policy (target dividend payout ratio of around 40%), the projected year-end dividend per share has been revised upward to

¥95 from ¥85.

*Figures are on a banks total basis, and the average loan balance excludes loans to Government, etc. 1

Definitions of terms and figures used in this document

In cases where definitions are different from those listed below, details are stated on each page.

Note: About the figures of the Fukuoka Chuo Bank

• Business integration between the Company and the Fukuoka Chuo Bank took effect on October 1, 2023.

• Regarding the Fukuoka Chuo Bank, profit (loss) figures since the second half of FY2023 (six months) and balance figures since the business integration have been consolidated and combined after making necessary adjustments. Figures before the end of September 2023 do not include figures for the Fukuoka Chuo Bank.

  2

  Profit & Loss Summary

  Profit & Loss

  
  
  

  FFG consolidated	(Unit: ¥ bil.)	2025/3Q			2024/3Q
  				YoY chg.
  Core gross business profit (*)			228.9	+22.6	206.2
  Overhead expense	(-)		127.7	+9.5	118.2
  Core business profit		1	101.1	+13.2	88.0
  Credit cost	(-)	2	6.8	+5.5	1.4
  Gains (losses) on securities		3	5.4	+7.1	-1.7
  Gains (losses) on bonds Gains (losses) on stocks			-9.7 15.2	+2.2 +4.9	-11.9 10.2
  Ordinary profit			100.0	+13.6	86.4
  Extraordinary income (loss)			-0.3	-1.5	1.2
  Consolidated net income		4	70.3	+9.6	60.7

  FY2025
  projected*	Progress

  1. Financial highlights (FFG consolidated)

     (Unit: bil.)

     ⚫1

     
     
     

     See P4, 6

Core business profit: ¥101.1billion (YoY chg. +¥13.2 billion)

(Unit: ¥ bil.)

FFG non-consolidated -14.2 -3.0 -11.2

Year-on-year change factors

Net income (banks total) 83.9 +7.6 76.3

[FFG non-consolidated: -¥3.0 billion]

• Overhead expenses increased, such as base pay and system-related costs

  Core business profit	109.6	+9.9	99.7		143.1	76.6%	Related to Minna Bank	-1.9	+4.1	-6.1
  Ordinary profit	112.8	+10.0	102.8		136.2	82.8%	Subsidiary income	3.8	+0.4	3.4
  Net income	83.9	+7.6	76.3		100.4	83.6%	Other consolidation adjustments	-1.2	+0.5	-1.7

  [Related to Minna Bank: +¥4.1 billion]

• Recorded revenue from external system sales

  [Other consolidation adjustments: +¥0.5 billion]

• Differences in gains (losses) on securities, etc.

Consolidated net income 4 70.3 +9.6 60.7

(*) Core gross business profit = Gross business profit - Gains (losses) on bonds

*Figures as disclosed in the financial results summary dated November 10, 2025, and the investor meeting materials dated November 26, 2025. 3

Profit & Loss

YoY chg. +¥13.2 billion

Consolidated non-

Consolidated net interest income +18.0

interest income

+4.7

Consolidated expenses

Other non-interest income

(subsidiaries, consolidation adjustment, etc.)

Corporate-related fees

Investment trusts & insurance

Other net interest income

(subsidiaries, consolidation adjustment, etc.)

International net interest

income

Securities, other fund

transactions

Interest on deposits and loans

FY2022 FY2023 FY2024 2024/3Q 2025/3Q

2024/3Q 2025/3Q

* Including revenue from external system sales related to Minna Bank 4

101.1

-1.6

+0.4

+1.1

+1.3

+5.9*

Domestic net interest income

+15.6

+8.1

88.0

(Unit: ¥ bil.)

119.1

93.4

100.4

54.4

50.0

49.4

See P6

-127.7

225.0

+¥13.2 billion

101.1

88.0

40.1

184.1

201.2

166.1

-140.6

-150.2

-118.2

-160.3

+7.5

184.1

44.8

-9.5

Core business profit (FFG consolidated)

[Non-interest income] Excluding gains (losses) on bonds

[Overhead expenses] Excluding non-recurring expenses

Profit & Loss

61.2

72.1

+¥9.6 billion

70.3

60.7

+13.2

YoY chg. +¥9.6 billion

+7.1

-5.5

70.3

31.2

50.7

62.1

Tax expenses

93.9

76.3

60.7

-2.7

Other operating/extraordinary

profit (loss)

Credit cost

Gains (losses) on securities

Core business profit

(Consolidated basis)

-2.5

-19.5

-22.5

-21.8

-15.6

-13.6

FY2022 FY2023 FY2024 2024/3Q 2025/3Q

2024/3Q

2025/3Q

5

Consolidated net income

(Unit: ¥ bil.)

Breakdown of year-on-year changes

(Unit: ¥ bil.)

Profit & Loss

[Non-interest income] Excluding gains (losses) on bonds [Overhead expenses] Excluding non-recurring expenses

118.0

105.9

30.2

136.0

33.6

+¥9.9 billion

109.6

99.7

YoY chg. +¥9.9 billion

Net interest income +16.9

Domestic net interest income

+15.6

Domestic interest on deposits and loans*1 +7.5

+30.7

28.7

24.9

23.3

99.7

-23.2

+9.2

-1.1

+1.3

-1.5

-5.4

109.6

186.4

202.7

225.5

166.7

183.6

Overhead expenses

Non-interest

income

International net interest income

Other fund transactions

Securities

Interest on deposits, etc.

Interest on loans and discounts

1 2 3 4

1. Interest rate factors: +27.1, Volume factors: +3.6

   Current account deposits at the Bank of Japan: +14.9

2. Loans to Government, etc.: +13.7

   Short-term fund procurement, etc.: -29.7

   Investment trusts: +0.2 (Sales commissions: -0.7, Trust

3. fees, etc.: +0.9), Insurance: +0.2, Group credit life insurance premiums: -1.8 (decrease in dividends)

Personnel expenses: -3.5, Non-personnel expenses: -1.3,

4

Taxes: -0.7

-109.3

-115.0

Overhead expenses

-91.8

-97.3

-123.1

[Reference] Consolidated balance as of

Dec. 31, 2025

2024/3Q 2025/3Q

FY2022

FY2023

FY2024

2024/3Q

2025/3Q

6

*1 Excluding interest on loans to Government, etc.

*2 Call money, payables under securities lending transactions, payables under repurchase agreements

Core business profit (banks total)

(Unit: ¥ bil.)

Breakdown of year-on-year changes (banks total)

(Unit: ¥ bil.)

Profit & Loss

• Net interest income increased by ¥16.9 billion year-on-year. Domestically, the increase was ¥15.6 billion, mainly due to the increase in interest on deposits and loans and interest and dividends on securities reflecting higher interest rates. Internationally, the increase was ¥1.3 billion, driven mainly by a decrease in funding costs.

  Net interest income (banks total)

  (Unit: ¥ bil.)

  Domestic interest on deposits and loans (banks total)

  (Unit: ¥ bil.)

  Domestic deposits and loans: Excluding loans to Government, etc. Interest on loans and discounts: Excluding loans to Government, etc.

  119.7

202.7

186.4

+¥16.9 billion

183.6

166.7

10.8

15.0

International

+1.3

28.6

112.3

(Reference) Loans to Government, etc. under domestic fund transactions, etc.

FY2022 FY2023 FY2024 2024/3Q 2025/3Q

(+9.0)

12.1

13.9

37.9

14.0

9.9

22.7

139.8

10.8

19.4

26.4

146.2

14.9

19.8

40.4

150.4

150.4

139.8

146.2

+¥7.5 billion

119.7

112.3

163.1

140.1

146.6

119.4

-0.3

-0.4

-12.8

-7.1

FY2022

FY2023

FY2024

2024/3Q 2025/3Q

-30.3

225.5

Domestic

+15.6

7

Profit & Loss

• Yield on loans increased across all segments. Overall domestic yield is 1.29%, an increase of 24 bp year-on-year. This absorbed the increase in yield on deposits, etc. (+14 bp year-on-year), with the deposit loan gross margin at 1.11%, an increase of 10 bp year-on-year.

Yield on loans: Excluding loans to Government, etc.

1.55 1.53 1.56

1.53

1.78

Yield on loans: Excluding loans to Government, etc.

+24 bp

1.29

1.02 1.00

1.00 0.99

1.11

1.08

1.08

0.92

1.05

1.32

1.29

1.16

0.80

Overall domestic

+24 bp

1.00 0.99

1.08 1.05

+10 bp

0.84

0.82

0.88

0.53

0.52

0.56

+14 bp

0.41

0.41

0.18

0.39

0.38

0.00 0.00

0.05 0.04

FY2024

2024/3Q

2025/3Q

FY2022 FY2023 FY2024 2024/3Q 2025/3Q

8

(Unit: %)

Domestic deposit loan gross margin (banks total)

(Unit: %)

Interest rates on domestic loans (banks total)

0.33

FY2023

0.31

FY2022

Overall domestic

(Including loans to Government, etc.)

Overall domestic

SMEs

Profit & Loss

• Consolidated non-interest income increased by ¥4.7 billion year-on-year, driven primarily by the recording of revenue from external system sales (related to Minna Bank).

• Investment trust-related income increased by ¥0.2 billion year on year, as an increase in trust fees driven by the buildup of balances more than offset a decline in sales commissions.

Non-interest income (FFG consolidated)

(Unit: ¥ bil.)

54.4

50.0

49.4

+¥4.7 billion

19.0

44.8

13.5

16.3

40.1

14.5

9.1

10.9

12.6

14.1

7.7

9.3

23.5

24.0

25.4

18.5

18.2

11.9

13.9*

4.6

-7.8

-4.6

11.8

-0.1

-8.5

11.3

0.1

-8.6

8.0

0.2

-5.8

-4.1

-5.0

1.9

-7.6

-4.2

FY2022

FY2023

-5.5

FY2024

2024/3Q

2025/3Q

Loan guarantee fees

Group credit life insurance premiums

Foreign exchange, derivatives

Subsidiaries,

etc.

YoY chg.

+0.2

-0.7

+0.9

Referenc

* Recorded revenue from external system sales related to Minna Bank

* Wholly owned subsidiary of FFG, established on April 1, 2022 (figures in table represent M&A fees) 9